Acquisition Costs Costs of acquiring property other than purchase price, for example, attorney fees, title insurance, and lender's fees. Addendum An agreement or list added to a contract, agreement, or other document.

Adjustable rate mortgage (ARM) A mortgage with an interest rate that adjusts at scheduled dates based on a pre-selected index.

Adjusted Gross Income A person's total income, as reported on his or her IRS 1040 tax return form, after allowable contributions, deductions, and expenses.

Agreement/Offer An agreement between a buyer and seller of a property that states the price and terms of the sale.